Ihoseyili - i-AAA yokuBoleka i-Non-QM ye-Asethi eLungeneyo ngokuLula ukhetho kuphela – i-ATR-In-Full – AAA iBoleka imali kunye nomtyali-mali

Iinkcukacha zeMveliso

Ukuzulazula kumhlaba wokubambisa kunokuba nzima, kodwa i-AAA LENDINGS iyenza lula inkqubo, iyenze ibandakanyeke kwaye ingabinaxinzelelo. Sinikezela ngenkqubo yokuqokelela amaxwebhu ecacileyo nemfutshane, ekuvumela ukuba ulayishe ngokulula amaphepha afunekayo kwi-intanethi. Sazi kakuhle ukuba ixesha lakho lixabisekile, kwaye ngokwenza inkqubo ibe lula, sikugcina uxakekile kwaye ulawula uhambo lwakho lokuboleka imali.Umthengisi we-Mortgage Vs uMsunguli weMali-mboleko,Easy Ukufaneleka,Iintlobo zeMali-mboleko yoMvuzo ophantsi, Njengeqabane lakho le- mortgage, sinikezela ngaphezu kweemali-mboleko; sinikezela uluntu. I-AAA LENDINGS izinikele ekudaleni imvakalelo yokuba ngabaxumi bethu. Iqonga lethu le-intanethi libonisa iiforam kunye neengxoxo apho unokunxibelelana nabanye abantu ababolekayo, wabelane ngamava, kwaye ufune iingcebiso. Le ndlela iqhutywa luluntu ikhuthaza indawo ebandakanyayo apho unokufumana khona inkxaso, ukuqonda, kunye nenkuthazo njengoko ujonga indlela eya kubunini-khaya.

– I-AAA yokuboleka i-Non-QM ye-Asethi eLungeneyo ngokulula kuphela – i-ATR-In-Full – i-AAA yeNkcukacha yokuBoleka:

Ingenasihloko-9

Isishwankathelo

Inkqubo ye-asethi edumileyo. Umboleki unexabiso elithile le-asethi, elinokuhlawula ixabiso lokuthenga okanye isixa semali-mboleko kunye neendleko zokuvala. Akukho lwazi lwengqesho olufunekayo; Akukho DTI.

Iimbalasane zeNkqubo

1) Ukuya kuthi ga kwi-75% LTV;
2) Ukuya kuthi ga kwi-4M yemali-mboleko;
3) Indawo yokuhlala ephambili kuphela;
4) Akukho mida kwinani leepropati ezibonelelwe ngemali;
5) Ubuncinci iinyanga ezi-6 ezigcinwe kwiimali zomboleki.

Yintoni i-ATR-In-Full?

Inkqubo ye-ATR-In-Full ikwayinkqubo ye-asethi, efanelekile nge-asethi kuphela.

Asiyi kubala i-DTI kubafaki-zicelo abafanelekileyo ngokungqina ii-Asethi kuphela (“ATR-In-Full”). Ngokwemishini, nawuphi na umvuzo okanye ingqesho edweliswe kwisicelo iya kuthathwa njengento engafanelekanga kulowo ubhala phantsi. Njengenye indlela, inokushiywa ingenanto.

Isiqinisekiso

Ngezantsi ziindlela zokubala:
Ngemali-mboleko yokuthenga, iyonke impahla evumelekileyo kufuneka ihambelane nexabiso lokuthenga kunye nazo zonke iindleko zokuvala.
Ii-asethi >= Ixabiso lokuthenga + zonke iindleko zokuvala
Kwimali-mboleko yokubuyisela imali, zonke ii-asethi ezivumelekileyo kufuneka zingqinelane nesixa-mali esipheleleyo semali-mboleko kunye neendleko zokuvala.
Ii-asethi >= Isixa semali-mboleko + iindleko zokuvala

Jonga ngezantsi iimeko zesiqinisekiso, ungabhekisa kwiindlela zokubala ukubona ukuba ungalungela na kuqala phambi kokufaka isicelo semali mboleko kubabolekisi:

Imeko 1: Ixabiso lokuthenga kunye neendleko zokuvala = $768,500. Ii-asethi ezikhoyo = $700,000 (ukonga) kunye ne-$45,000 (50% ye-IRA) = $748,000. Ngokufutshane nge-20,500 yeedola. Ukuba umboleki yi-59.5 okanye ngaphezulu, ii-asethi ezifanelekileyo ziya kuba yi-$ 700,000 + i-$ 54,000 (i-60% ye-IRA) = i-$ 754,000 kwaye imfutshane nge-$ 14,500.

Imeko 2: Imali-mboleko kunye neendleko zokuvala = $518,500. Ii-asethi ezikhoyo = $370,000 (ukugcinwa) + $100,000 (50% ye-IRA) = $470,000. Ngokufutshane nge-48,500 yeedola. Ukuba umboleki yi-59.5 okanye ngaphezulu, i-asethi efanelekileyo = $ 370,000 + $ 120,000 (60% ye-IRA) = $ 490,000 kwaye imfutshane nge-$ 28,500.

Ii-asethi ezifanelekileyo

Imali, ii-stocks, iibhondi kunye ne-personal liquid assets (akukho propati) = 100%.
Iiakhawunti zomhlalaphantsi = 50% ukuba 59 okanye ngaphantsi kunye 60% ukuba abadala.
Akukho mali yeshishini.

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Latvia, Slovakia, Lesotho, Ngoku sinesabelo esikhulu kwimarike yehlabathi. Inkampani yethu inamandla oqoqosho olomeleleyo kwaye inikezela ngenkonzo ebalaseleyo yokuthengisa. Ngoku siye saseka ukholo, ubuhlobo, ubudlelwane obuhambelanayo beshishini kunye nabathengi kumazwe ahlukeneyo. , njenge-Indonesia, iMyanmar, i-Indi kunye namanye amazwe akuMzantsi-mpuma we-Asia kunye namazwe aseYurophu, ase-Afrika kunye neLatin America.

-AAA Ukuboleka